Baker Boyer National Bank
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Data as of · sourced from FFIEC call reports. How we update
Baker Boyer National Bank is an FDIC-insured commercial bank headquartered in Walla Walla, WA, established in 1869 (FDIC certificate 2987), and it is supervised by the OCC. At Q2 2026 it reported total assets of $692.9M, up 1.9% from Q2 2025, the 18th largest of 29 banks headquartered in Washington. Its CET1 capital ratio was 15.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2987
- Headquarters
- Walla Walla, WA
- Established
- 1869
- Total assets, Q2 2026
- $692.9M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 15.43%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 123300153
- Latest call report
- Q2 2026, FFIEC 051 · Baker Boyer National Bank call report
- Holding company
- BAKER BOYER BANCORP
- Asset rank in state
- 18th of 29 in Washington
Baker Boyer National Bank spends more to run itself than most banks of its size. Its balance sheet stood at $693 million at June 30, 2026, up 1.9% from a year earlier; it is based in Walla Walla, Washington. It spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 0.70% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Earnings jumped: net income for the quarter was $929,000, 44% above the same quarter a year earlier. Over the same year, loans shrank 4.3% and deposits grew 5.3%. Profitability lags: it earns about $0.54 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Baker Boyer National Bank reported a CET1 capital ratio of 15.43%, a return on assets of 0.54%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.58%. The figures come from its call report filed with the FFIEC.
Baker Boyer National Bank ranks as the 18th largest of the 29 banks based in Washington, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $692.9M, loans rose 1.6% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.4% of total loans, ahead of owner-occupied commercial real estate loans at 16.6%. Its 7 offices in the FDIC Summary of Deposits are in Walla Walla, WA, Yakima, WA and Kennewick, WA; its Walla Walla 5 offices book 84% of its branch deposits. On its Q2 2026 call report, Baker Boyer National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7 W Main St, Walla Walla, WA 99362
- County
- Walla Walla
- Metro Area
- Walla Walla, WA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 10, 1869
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 175
- Domestic deposits
- $632.3M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $684.4M
- Average total loans
- $381.8M
- Average interest-bearing deposits
- $518.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2987
- Fed RSSD
- 69678
- Website
- www.bakerboyer.com →
- Parent Holding Company
- BAKER BOYER BANCORP (RSSD 1141870)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Baker Boyer National Bank's total assets moved between a low of $669.7M (Q4 2024) and a high of $738.6M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$692.9M total assets against $679.7M; $634.0M total liabilities against $624.2M.
$381.9M net loans and leases against $399.6M; $632.3M total deposits against $600.6M.
$187.8M securities against $180.7M; $95.0M cash and balances due against $70.3M.
$7.6M total interest income against $7.1M; $1.3M total interest expense against $1.4M.
$6.3M net interest income against $5.7M.
$3.7M total noninterest income against $3.3M; $8.8M total noninterest expense against $8.0M.
$50K provision for credit losses against $150K.
$929K net income against $647K.
0.54% return on assets against 0.39%; 3.87% net interest margin against 3.57%.
15.43% CET1 capital ratio against 14.50%; 9.25% tier 1 leverage ratio against 9.30%.
Inside the full Baker Boyer National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBaker Boyer National Bank rankings
Its closest position to the top of a national ranking is 1,369 of 4,196, for total assets; its furthest is 3,432 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q3 2025) to 0.71% (Q4 2025) and its net interest margin ran from 3.09% (Q3 2024) to 3.87% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.43% | 0.54% | 0.42% | 2.58% | 3.87% |
| Q1 2026 | 15.43% | 0.62% | 0.88% | 5.32% | 3.62% |
| Q4 2025 | 15.01% | 0.71% | 1.09% | 6.89% | 3.61% |
| Q3 2025 | 15.11% | 0.37% | 1.13% | 7.10% | 3.54% |
| Q2 2025 | 14.50% | 0.39% | 0.95% | 6.43% | 3.57% |
| Q1 2025 | 14.64% | 0.51% | 0.43% | 2.92% | 3.28% |
| Q4 2024 | 14.57% | 0.57% | 0.17% | 1.18% | 3.23% |
| Q3 2024 | 14.45% | 0.47% | 0.15% | 1.60% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Baker-Boyer National Bank | Walla Walla , WA | 99362 | $425.3M |
| The Plaza Branch | Walla Walla , WA | 99362 | $61.7M |
| Yakima Branch | Yakima , WA | 98908 | $58.2M |
| Baker Boyer Bank Kennewick Office | Kennewick , WA | 99336 | $44.4M |
| Eastgate Branch | Walla Walla , WA | 99362 | $37.9M |
| Wheatland Village Branch | Walla Walla , WA | 99362 | $2.4M |
| Walla Walla Valley Mobile Branch | Walla Walla , WA | 99362 | $2.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2000 | M&A | Acquired Bank of Commerce merger for the acquired bank | SEC |
| April 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WA, rank 34 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 104 applications, 73 loans originated, $29.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $109K approved, $109K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Baker Boyer National Bank
What are Baker Boyer National Bank's total assets?
As of the Q2 2026 filing, Baker Boyer National Bank reported total assets of $692.9 million in its FFIEC call report.
Where is Baker Boyer National Bank headquartered?
It is headquartered in Walla Walla, WA, United States.
When was Baker Boyer National Bank founded?
It was established in 1869, per the FDIC institution directory.
Is Baker Boyer National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2987). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Baker Boyer National Bank?
Baker Boyer National Bank's primary federal regulator is the OCC.
What is Baker Boyer National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Baker Boyer National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Baker Boyer National Bank's Texas Ratio?
Its Texas Ratio is 2.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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